bro, you really have to face up reality. Even with kids there are certain things that you can cut. Not a silver bullet but some things you can do:

1. Home cook food. Don't go for fancy restaurants.
2. Stay at home during weekends. You have high speed connection, make use of it to entertain yourself. Play with kids.
3. Cut spending on kids. Look for pre-loved stuffs. Not everything has to be brand new.
4. Take public transportation. Stay at home more often.
5. Reduce usage of aircond. Too much will be a problem for your kids as well.
6. If die die need to eat out, choose cheaper alternatives like mixed rice.
7. Got nice car, go drive uber or Grab.
8. You're an IT guy, go and contract some part time jobs (eg. develop websites)
9. Talk to company HR see if they offer financial assistance
10. Withdraw from EPF - AKPK can help with this i think.

You will know what you spent on the most. Look at your cc statement or download app to track your spending. Cut them or reduce them gradually.

Clear off the ah long debt. what were you thinking? You have family and kids ler. Don't think it is wise to drag them into the dirt with you.

This post has been edited by 3antz: Jan 12 2017, 03:10 PM